hawai’i

{work outs} WE 4/6/14

Things were looking a bit shaky but I managed to keep up with last week!

Monday

Tuesday

  • Daily Burn Core Workout
  • Daily Burn Yoga Workout

Wednesday

  • SHRED Level #1

Thursday 

  • 2 mile walk

Friday

  •  15min Daily Burn Tabata

Saturday

  • OFF

Sunday

  • Manoa Falls Hike
  • 45 Min Body Boarding

NOTES

*I’m having a rough time this week with my body image.  When I get so immersed in being healthy, old habits creep back in and I end up comparing myself to others and what I once was. The good thing is that I am making gains.20140406-181633.jpg

The bad thing is that working out has made my appetite soar (along with PMS and water retention) and so I appear bigger and weigh more than I did a few weeks ago. Things came to a head this week when Mike and I went to pick up bathing suits real quick before heading to the beach.  The problem is that there are very few bathing suits that flatter my shape whether I’m in shape or not.  We tried a few sizes and kept going up to the point where I just cried because I felt I let myself down.

It’s hard to admit these things when plenty of people tell you how good they think you look or how they wish they were my size but what I’ve learned is that we set our own standards and while positive comments help, you are the one that has all the power.

My first thought was to go on another 5 day juice cleanse but I don’t want to use cleansing as a quick fix.

I WANT TO LEARN HOW TO LIVE THIS WAY!

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So I decided instead to push off the detox for about 2 weeks before we visit NJ and spend this week doing the pre/post cleanse care package that we are developing at Blue Tree. Also, since I did not do my 1 day fast last week, I plan to fast 2 days (Monday and Friday) and I know I will be feeling great by the time we have our little weekend getaway.

* Buddhi Yoga – So I took a yoga class with some friends and I LOVED IT!  It was a mix of yoga, dance and cardio.  I was terrified that I wouldn’t be able to keep up but I did much better than I anticipated.  The instructor was great and I loved having a “thing” to go to with the girls.  This will become an every Monday night thing for sure.

* Manoa Falls- last week a friend and I hiked Aiea Loop this week I knew I wanted to hike but was not sure when it was going to happen. We had a pretty chill night on Saturday so I was up bright and early Sunday morning to go to the falls with Juliann.

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Its a short hike but the incline definitely gets your heart rate up and nobody was there that early!

* Body Boarding – after our hike, I came home and we made breakfast for our roommate and some friends that stayed the night. It was really nice to have people over.  We love hosting things, even if its a quick meal! Anyway, we decided to go suit shopping (see above) and then head to Bellows Beach to finally use our new body boards.  The waves weren’t intense but we spent 45 minutes in the water hauling ourselves around and caught some decent rides in.

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After that we took a trip to whole foods and dropped $75 on god knows what.  A perfect day though.

My goal for next week is to make it better than the last.  It’s definitely a busy one but it should be much easier to manage if I take care of myself well.

combining finances (the pre-game)

Aloha!  It’s time for a long overdue post in my Balancing Money category, my adventures in finance.

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This specific series will look at the world of balancing money as a (soon to be) married couple and what we learn along the way.

Let’s face it . . . money holds a lot of power in relationships. Couples argue, disagree, and even end relationships because of it. When you’re dealing with your livelihood, its best to be open, communicative and organized.

And when you’re dealing with combining the livelihood of TWO people . . . it’s the only way.

Getting married in the future has brought a whole new world of adult to the both of us.  There is a lot of debate out there about the best way to combine finances.  The best way to make it work is to decide on something TOGETHER and make sure there is no confusion and no secrets! This my friends is where another level of trust begins.

Ultimately, Mike and I decided to go all in.  This means we will put everything we make into a shared account and pay everything out of it.  No matter who makes what, it becomes OUR money.  We will also have a separate account for my business that will be used for business expenses and then 2 savings accounts in which we will determine an amount of money to deposit based on what we have and what we need to save that month for our own personal discretion.

Catch that?

  • One big joint checking
  • One big joint savings
  • One business checking
  • Two personal savings

Currently, we are not married but will be soon.  We want to be prepared and as organized as possible during the process for obvious reasons, but also because its best for us to learn how our money works since he will be leaving for long and short deployments and I will be traveling for work so each of us has to be responsible for keeping it together while each other is away.

So, right now we are in the beginning stages of working this all out. Since budgeting is the only math I enjoy, today I got to work on figuring out the basics.

  • What are my total expenses per month?
  • What are Mike’s total expenses per month?
  • What is my total income per month?
  • What is Mike’s total income per month?
  • About how much do we both spend on anything that is not bills?

With this information, I was able to get a good idea of what was already happening so that we know how to adjust this to our financial goals once we discuss these things in depth. For instance, our income changes every month due to bonuses, benefits from being a military family or random things like gifts.  We will also have random expenses each month like flights to visit family, vacations or home furnishings and whatever else may present itself.

I put all of our information into this awesome spreadsheet that I read about eons ago made by Kath.

*this is not our information or hers, just an example.

I made 3 different budgets

  • Valerie – Budget + Expenses NOW
  • Mike – Budget + Expenses NOW
  • Our Budget, Expenses and Savings once we’re married (essentially, I combined the above 2 and then estimated savings goals that we will finalize at another time)

I spent some time customizing it a bit and then looked over it with Mike.  Immediately we realized something really eye opening . . .

We each spend a LOT of “variable” money each month.

It’s no surprise though since most of our money goes to food, and food in hawaii is EXPENSIVE. But the money in that category not going to food is interesting and brought up a lot of questions.

What are we spending it on?!

This was a fantastic thing for the both of us because seeing the big picture and how we could tweak what we SAVE or what goes to our personal discretion made us immediately think of ways we could bring down the cost of our variable expenses each month.  For me, it made me start wanting to be a bit more cautious NOW and get in the habit of maximizing our finances.

With wedding plans, families across the country from each other (and far far away from us), traveling for work and desiring the finer things in life . . . we’re going to need it.

How do you handle combining finances?